Date Received: 2020-12-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I thought I was in a program to stop payments during pandemic. Start later when Im not unemployed due to Covid. Im at high rush due to XXXX and XXXX XXXX for two parents with XXXX and a XXXX. I thought payments would go in the back of my loan not in a foreclosure process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 121XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX ( early ) - Reached out because the forbearance period was ending, wanted to reach a solution with my mortgage moving forward ( modification, another forbearance period, etc ). Was told that I was reaching out too early. XXXX ( before XXXX ) - Reached out again. Was essentially told that I should request an additional forbearance extension, which we agreed to do. Extension request was submitted. I was told I didn't need to do anything. XXXX XXXX early ) - I followed up about the forbearance extension. I hadn't heard anything or seen anything in my account to reflect it. The agent I spoke with this time was surprised that I wasn't told I had to fill out a mortgage assistance application. I then filled out an application and emailed it. XXXX ( early ) - I followed up a couple times and the application still wasn't being received, but I was told that maybe it was just a delay with being uploaded. Also, around this time, I noticed that negative credit reporting had occurred from Specialized Loan to the credit agencies ( I was assured this wouldn't happen, but it did XXXX. XX/XX/XXXX - I had to resubmit my application via email since my first email apparently never went through ( even though it was sent to the right address and was under the size limit ). XXXX ( mid ) - Followed up, application still not received. XXXX ( mid ) - Followed up, application still not received. XX/XX/XXXX - Followed up, application still not received. Issue being escalated to the mail room / department to try to locate my email. I mean, this is ridiculous. It shouldn't require this many hours and this much work to solve this sort of problem. It almost feels intentional because the more they can delay me, the more they can make off me with penalties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I were informed by Specialized Loan Servicing via a letter dated XX/XX/2020 that our hazard insurance had expired. On XX/XX/2020 we talked to XXXX ( our insurance coverage ) with whom we have had coverage since we bought our current house. The XXXX rep told us that our coverage had not lapsed and that in his opinion it fit the ( unclear and undefined in the letter ) definition of hazard insurance. The rep faxed proof of coverage to the number provided by Specialized Loan Servicing. We received subsequent letters stating that Specialized Loan Servicing felt our coverage had lapsed. We uploaded proof of our insurance to a portal they provided for that purpose but continued to receive notifications. We than talked to a Specialized Loan Servicing rep on two or three occasions and were told that we had coverage and not to worry about it. We asked for written/emailed confirmation of that and never received it. Instead, we were told that Specialized Loan Servicing had bought insurance for us and then that they had set up an escrow account. Finally, we were informed in a letter dated XX/XX/2020 that we would be billed an additional amount on our monthly mortgage until the escrow account was paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2020-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Loan Servicer withheld information from Escrow and Title Company that they paid the taxes. Therefore, Escrow and Title Company withheld {$4700.00}. Loan Servicer needs to provide copy of cancelled check or issue stop payment and reissue funds to me. Included is proof escrow withheld the property taxes and paid them. Even with a release they refused to work with the Title Company and Escrow company to clarify payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Was injured at work and not able to work
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello Im am XXXX XXXX SLS continues to harass me with incorrect and illegal information on my credit reports. I have called multiple times asking them to report correctly. I have filed multiple times with credit bureau XXXX to correct this they continue this complaint has already been repaired. SLS mortgage company puts late marks on my account ever month. They remove previous months at the end of month and add it to the next month even before due and in forbearance. They purposely dont report my payments to continue to bring my credit down. This is all after I turned them in for slow responses trying to reaffirm my loan. Now they have closed the account. I have no late payments on any of my accounts before and after my bankruptcy. Please help me correct this so I can refinance in XXXX to get away from this company. My payments are setup for the XXXX of each month due to being XXXX and only paid once a month. They were unwilling to me be my due date a few days. I have include statements with SLS payment when they pull the money. SLS mortgage company Account # XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My Mortgage was purchased by Specialized Loan Servicing. I pay by check every month so I have record of my payment. On XX/XX/2020, my check for XXXX cleared my bank. I have record that it was taken from my account by Specialized Loan Servicing. They claim they did not receive payment. My wife and I faxed them our bank statement that shows the electronically cashed our check. We have called in XXXX and XXXX. The representatives have not helped and just say they will open a report to try to find where our payment was sent. They have been rude and unhelpful. Our credit scores have dropped 80 points because they are showing a delinquent payment, yet it was on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have applied for a mortgage modification as well as a forbearance but was declined on the forebearance without a listed reason why. My loan is owned by XXXX XXXX and from my understanding Im allowed a forebarance for XXXX days and then can apply for an extension of XXXX Days. This company will not Talk to me and will not note my account. They have locked me out Of my online account because I submitted a request for a supervisor to look at My account. We were in a modification and got Laid off due to Covid amd they have tried to foreclose on us and forced us into a bankruptcy that we didnt need in order To save our home. They are XXXX XXXX who do not care at all that we have XXXX children and all of our money tied into this loan. I need help and need it fast so these people will be forced to follow the law and the options we are allowed to and governed by.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31601
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing are threating to Foreclose on my house. On XX/XX/XXXX My husband and I took a second Loan in the amount of {$49000.00} to purchase our home, my husband who passed away in XXXX was handling the properties and stated that the second loan on all the properties during the recession the banks were forgiving it, after which we never heard from XXXX or any other bank regarding a transfer of this loan. We never received anymore payment statements or correspondence from anyone, and there was no late payments on our credit report from any bank/company regarding this loan from XXXX to present. My belief was that this loan was also forgiven along with the other properties. There was no demand payment until XXXX or XX/XX/XXXX I was contacted through the mail by Specialized Loan Servicing stating that I needed to pay them {$14000.00} and something to bring my account current or my house would go into foreclosure. I immediately called them and stated, I do not know you, I have never heard of you XXXX had this loan and this loan has been forgiven. I asked them why are you contacting me after all these years and demanding this kind of money? The Representative said we are servicing this loan now and that I had to pay the above amount plus the first months payment in the same month. I informed them that I did not have that kind of money, I am a senior citizen and on a fixed income. They started takin pictures of my house, some times twice a month and said I had to pay {$15.00} for each. From XXXX of last year through this year they said my house was flagged for foreclosure and they are waiting for a sale date. I have never received a timely evaluation notice or a Default/Foreclosure letter in the mail from them. I have never received any paperwork from a new bank/company stating that this loan has been transferred to them. SLS refused to give me any info on the company they are collecting for, and states that I would have to ask for it in writing addressed to them and they would get back with me. they made frivolous credit checks on my report, stating they have to check it from time to time, it lowered my credit score and I asked them to stop checking my credit. I had to research a number for XXXX, I was unable to speak to a person but I left a message asking someone to call me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I check my credit report regularly - On XX/XX/2020, my mortgage loan with SLS is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted SLS to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted SLS and they said they were unable to assist me because their system shows my account as current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A